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Help managing your money

If you’re struggling with your household bills and finding yourself behind with payments, please don’t panic. There are lots of organisations out there who can provide free independent advice to give you a helping hand out of debt. We’ve provided details below – please check out their websites so you can see how they can help.

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Visit the Hardship Hub for details on support services offered by organisations across the North West.

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Free debt advice is only a click away
The Money Advice ServiceMoney Helper is an independent service, set up by government to help people make the most of their money, they give free, unbiased money advice to everyone across the UK – online, over the phone and face to face.

Money Wellness Money Wellness provides free, independent advice to help you manage your problem debts and improve your financial wellness. They can also help with benefits, reviewing what you’re currently receiving and making sure you’re claiming all the financial support you’re entitled to. Their advisers have helped more than one million people find a solution to their money worries and they are available online or over the phone.
National DebtlineNational Debtline is an independent charity dedicated to providing free debt advice by phone and online. Their debt advisors are available to talk through all the options that are right for you depending on your circumstances.
Citizens Advice
Citizens Advice are able to give you the information you need to make the right choices to deal with your debt problems, avoid losing your home and how to get your finances back into shape. You can also find the location of your nearest CAB office on their website.
Turn2Us LogoTurn2Us is a national charity helping people when times get tough and can provide practical help and support to get you back on track. Their free to use benefits calculator and grant search tools are available on their website and will help you to check what benefits you might be able to claim and what grants you might be able to apply for.
StepChange Debt CharityStepChange has a team of debt experts on hand to provide free, expert advice to help you out of debt. Their online Debt Remedy tool provides tailored debt advice in around 20 mins.
PayPlan Live AgainPayPlan have spent over 20 years helping people out of debt. Not only will they help you become debt free but will deal with creditors on your behalf. Complete their three step form on their website and one of their team will get in touch.
CCWCCW is the independent voice for water customers across England and Wales, providing free advice and support about your water bill.
OfgemOfgem is the UK’s independent energy regulator. If you’re struggling with your gas and electricity bills their website provides information on the support available with your energy payments.

United Utilities takes no responsibility for the contents of the above linked websites and the link should not be taken as endorsement of any kind. United Utilities will not accept liability for any loss, damage or inconvenience arising as a consequence of (i) any use of (or inability to use) any information on the linked website; or (ii) any advice received from the linked websites. Please note any data you provide will be processed in accordance with the privacy policy of each of the linked websites.

Find the support that's right for you

Everyone needs a little help sometimes and we offer lots of different support options to those struggling with their bills. Click the button below and we'll make sure you're on the best support scheme for you.

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Important Notice

Cold Weather

Due to the freezing weather conditions across the region a number of our customers are experiencing no water or reduced pressure, caused by frozen pipes in their home. There are a few things you can do to check if you have frozen pipes. If you are unable to complete these checks please reach out to your family, friends or neighbours to see if they can help:

  1. If there are no local issues check with your neighbours. If they have water, you may have a frozen pipe in your property.
  2. Here’s what to do. Turn off your stop tap by turning it clockwise, it’s usually found under your kitchen sink, but can be in your garage or cellar.
  3. Once you’ve turned your stop tap off, turn on your cold tap in the kitchen
  4. If you have no water, this could be due to a frozen pipe somewhere in your home. This may be the pipe which comes into your home near to where your stop tap is located.
  5. Carefully thaw the pipe using a warm towel, or if safe to do so a hairdryer in short bursts, ensuring you keep well away from water. If you can get water from a neighbour you could try a hot water bottle too. This could take a while, depending on how frozen and big your pipes are.
  6. Switch your stop tap back on to see if the water is running.

You can find more information at www.unitedutilities.com/frozenpipes.

If you have followed all of the advice provided and still want to talk to us, please give us a call. As we are experiencing really high call volumes at the moment, please bear with us as wait times will be longer than usual. 

Due to the freezing weather conditions across the region a number of our customers are experiencing no water or reduced pressure, caused by frozen pipes in their home. For more help and advice if you have a frozen pipe head to www.unitedutilities.com/frozenpipes.

Cold Weather

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